Taxes on ROTH IRA vs. 401(K)?

Can someone please explain this quote:

"For example, profits from stocks that are held for at least a year will be taxed as long-term capital gains -- a rate no higher than 15%. Interest from corporate bonds, on the other hand, is taxed as ordinary income -- a rate as high as 35%. Yet many investors keep their stock investments in their tax-advantaged accounts and their bonds in regular, taxable accounts. That just doesn't make sense. Asset location can be just as important as asset allocation." http://finance.yahoo.com/focus-retiremen...

I thought the advantage of a ROTH IRA (which is what I'm invested in now -- 100% stocks) was the fact that you are putting in post tax money that won't be taxed when you retire. But say I'm in the 28% tax bracket now, wouldn't it make more sense for me to put the money into an account that taxes later, if it's only going to tax my interest by 15%??? Am I totally confused?

It depends on how you will be living when you retire. It's also no guarantee the tax rates now won't be higher 20-30 years from now. I would max out my 401K especially if there is an employer match. I would also max out my Roth. There is no right or wrong way. It just depends on how much income you plan on having in retirement, you need to plan accordingly. I would always opt for the Roth because just like I said it's no guarantee with the future tax rates.

Roth IRA money is not taxable UNLESS you withdraw before your retire (I think 65 years of age.)

The money you invest into a Roth IRA was already taxed. It's cold, hard cash. The beauty of a Roth is that any money you make off of your original investment won't be taxed, EVER! As long as you don't touch it until age 59 1/2. How great is that?!
Not only that but you can take out any amount of your original investment without penalty. But don't do it unless in an emergency.

And that's what makes financial decisions so interesting. You have choices in what you want to do and depending on your individual circumstances, your right choice might be different from someone else's right chocie.

No, you're not any more confused than the rest of us. Use one of the many online calculators and determine for yourself, using your own circumstances, as to whether a Roth or a fully deductible IRA is better for you. (The 28% now vs. 15% later is a valid point.)